RESURGENT CAPITAL SERVICES L.P.


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"Products" offered by RESURGENT CAPITAL SERVICES L.P. with at least one, but usually more complaints:

Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Debt settlement
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - VA mortgage
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Payday loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Loan
Vehicle loan or lease - Title loan

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Complaint ID: 7864890

Date Received: 2023-11-16

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. Because of this I could not purchase a home or gain a credit card. I never gave this company my information or endorsed an instrument with them. Pursuant to 12 CFR 1006.6, more specifically subsection ( c ), this is a notice to cease all communications as the Fair debt collection practices act describes it which includes both direct and indirect communication on ANY medium except that you may ONLY communicate with me under the stipulations that you will send me validating information such as the entire purchase agreement ( and other validating data ) and/or to respond to ANY complaints from the Consumer Financial Protection Bureau ( cfpb ). In case this company feigns ignorance, I attached a screenshot of the XXXX website explaining how the FDCPA defines communication. I did not endorse an instrument with LVNV FUNDING nor have they provided proof that I did with my wet ink signature, they only purchased a contract and are trying to collect without having it endorsed first which violates Uniform Commercial Code 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee

Company Response:

State: PA

Zip: 18704

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7864701

Date Received: 2023-11-16

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: Ive attached below the documentation proof showing that the account has been paid in full. I would like to request this notification be sent to XXXX to update my credit report

Company Response:

State: FL

Zip: 33971

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7863343

Date Received: 2023-11-16

Issue: Communication tactics

Subissue: You told them to stop contacting you, but they keep trying

Consumer Complaint: This company did not do what they said that they would do. They have stated that they would honor my request to cease all communications and yet I had found that they are still attempting to communicate with me which completely violates the fair debt collection practices act. Under chapter 41 of title 15, the fair debt collection practices act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Credit reporting is an indirect medium that this company is using to communicate with me and I had thought that this company " Obeyed '' federal and state laws and yet they had over looked the first XXXX subchapters? I have reason to believe that this company is purposely doing this for financial gain. It is clear that they do not care about a consumer 's right to privacy so I do intend to litigate if this matter does not get solved immediately.

Company Response:

State: PA

Zip: 187XX

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7863229

Date Received: 2023-11-16

Issue: Communication tactics

Subissue: You told them to stop contacting you, but they keep trying

Consumer Complaint: I have told this company to cease communicating with me about these two accounts ( XXXX and XXXX ) and they are still communicating with me indirectly via credit reporting. The fdcpa states that once a consumer notifies a debt collector in writing of refusal to pay or to cease all communications, a debt collector may not communicate with the consumer. In that act, the term communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium. I demand this company to cease all reporting and to compensate me for violating the Fair debt collection practices act.

Company Response:

State: PA

Zip: 187XX

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7862775

Date Received: 2023-11-16

Issue: Communication tactics

Subissue: You told them to stop contacting you, but they keep trying

Consumer Complaint: It has been 2 months since I have made a complaint with the cfpb regarding lvnv funding communicating with me and attempting to collect on alleged debts for the following two accounts ; XXXX and XXXX. In that complaint I had stated that they have been violating the Fair Debt Collection Practices Act ( FDCPA ) to which they have completely denied all allegations. Afterwards they stated that they would honor my request to cease all communications. Since then, they have still continued to communicate with me which is a clear violation of the FDCPA and I have proof. Now I am demanding compensation. The FDCPA defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium of which they have decided to continue to communicate with me which is a clear violation of 15 U.S. Code 1692c. This company does NOT care about obeying federal laws and I am asking the consumer financial protection bureau ( cfpb ) to enforce federal laws onto this company. Otherwise I will proceed with litigation.

Company Response:

State: PA

Zip: 18201

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7862704

Date Received: 2023-11-15

Issue: Problem with a company's investigation into an existing problem

Subissue: Investigation took more than 30 days

Consumer Complaint: On XX/XX/, I diligently took the necessary steps to address the unjust reporting of an account by sending a prearbitration letter via certified mail to LVNV Funding / Resurgent Capital Services. Despite my earnest effort to rectify this matter promptly, I have regrettably received no response from them to date. This lack of communication is not only disconcerting but also significantly impacting my financial credibility. It is important to underscore that I have no association with the account in question, and, moreover, I was never apprised by XXXX XXXX Bank that they would be divulging my information to LVNV Funding or Resurgent Capital Services. Furthermore, the involvement of XXXX XXXX XXXX in the collection process on behalf of these entities compounds the complexity of the situation. The absence of a response and resolution exacerbates the adverse effects on my financial standing, and I seek a prompt and just resolution to rectify this matter.

Company Response:

State: PA

Zip: 19138

Submitted Via: Web

Date Sent: 2023-11-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7862688

Date Received: 2023-11-15

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: A debt I owed was referred to this company. I have no record of them trying to contact me directly. They sent a server to my mom 's house and I had to call and wait on hold for hours to track down someone who could tell me what it was for. I was able to pay off the debt in full over the span of less than a week ( final payment XX/XX/07 - over one week ago ). I was told I would receive a paid in full letter within 24 hours. It has now been over a week and I have called again, sent an email, and am currently on hold to request again. This company uses very aggressive tactics and they already tried to serve me and take me to court once so I am understandably very concerned they're withholding this legal document. In Utah the law is they must provide the letter within 5 days. It has been 7 with no progress. Until I have that letter, I'm in a constant state of XXXX waiting for a server to show up, or my paycheck to be garnished because so far all this company has done is show they are extremely aggressive and can't keep their word.

Company Response:

State: UT

Zip: 84403

Submitted Via: Web

Date Sent: 2023-11-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7862678

Date Received: 2023-11-15

Issue: Problem with a company's investigation into an existing problem

Subissue: Problem with personal statement of dispute

Consumer Complaint: I have been asked to go yo court for a debt that closed out in 2008. 15 year old debt should not be reported.

Company Response:

State: MD

Zip: 20602

Submitted Via: Web

Date Sent: 2023-11-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7862577

Date Received: 2023-11-15

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: This isnt right I keep disputing this on my credit report when I called into the company they were very rude and Credit companies Keep putting this bill back on my credit report that I do not owe.

Company Response:

State: MD

Zip: 21215

Submitted Via: Web

Date Sent: 2023-11-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7860795

Date Received: 2023-11-17

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: Capital one bank with account # XXXX. This account is currently closed due to missed payments, the creditor capital one who I have opened a credit line with sold my information without my consent to a debt collector name XXXX XXXX. I never give capital one permission to sold my information, my information should held private and confidential, this is a volition of the Fair Credit Reporting Act Privacy Act of 1974, as amended,5 U.S.C. 552a capital one has caused me and my family harm by selling my information without my consent to a debt collector which is reporting incorrect and inaccurate information to my credit report, multiple phone calls numerous times and for a debt that I don't owed to them.

Company Response:

State: CT

Zip: 06108

Submitted Via: Web

Date Sent: 2023-12-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.